Shri Tuhin Kanta Pandey, Chairman, SEBI, in his address at the Annual Conference of Registered Investment Advisers at ARIA Aspire 2026, highlighted the importance of unbiased, fiduciary-driven advice and the need to strengthen a trusted investment advisory ecosystem. We quote from his address: “India has achieved a remarkable feat in financial inclusion. Today, more Indians than ever have bank accounts and digital payment tools at their fingertips. However, the journey doesn’t end with “access.” As we look toward the future of a Viksit Bharat, the focus must shift toward financial empowerment. Empowerment isn’t just about having an account; it’s about […]

For a long time, women have been known as the “queens of the household budget.” They are amazing at saving small amounts of money and making sure every rupee is used well. But according to a recent report in Mint Money, there is a big problem: women are great at saving, but they aren’t investing enough. In fact, a study shows that by the time they retire, Indian women have 40% less wealth than men.b> The experts in the article believe the reason is simple: “Women’s biggest barrier is often mental conditioning, not ability” Here is why this is happening […]

We often hear from people that their health insurance premiums have gone up even though they haven’t made a single claim. The key thing to understand is this: Health insurance doesn’t work like motor insurance. Your premium doesn’t rise because you have not used the policy. Premiums rise for very different reasons, and they affect entire groups of policyholders, not individuals. So today, let’s understand what really goes on behind the scenes. Health insurance was never a fixed-price product. Many assume that once they buy a policy, the price should remain stable forever. But that has never been true. Insurers […]

To verify an adviser’s fiduciary duty and disclosures, clients should carefully review formal documents, regulatory filings, and direct communications that spell out the adviser’s legal obligations, commitment to act in the client’s best interest, and full, specific disclosure of conflicts and compensation. How to Verify Fiduciary Duty Ask for Written Commitment: Directly ask the adviser for a written statement or contract confirming their fiduciary obligation to act in your best interest always, and their willingness to avoid or disclose any conflicts of interest. Check Regulatory Registration: Confirm that the adviser is registered with SEBI as an RIA, which legally mandates […]

With the right structure, guidance, and emotional support, rebuilding one’s financial life is not only possible but deeply empowering. When women take charge early, even life’s toughest transitions can become a turning point toward lasting confidence and control. Prepare Now, Protect Tomorrow Financial preparedness doesn’t begin after a crisis; it starts the day you earn your first pay check. From operating your own bank account to consciously saving and investing, independence must be cultivated early. Every woman should track her income and expenses, set aside a portion for savings, and steadily build her own corpus—not as a safeguard against marriage, […]

It is projected that the number of ultra-rich people in India—those with incomes over Rs250crs —will increase by 58% during 2022 -2027. First-generation wealth creators will transfer trillions of rupees in business holdings, assets, and investments to their successors over the next few decades. A lot of families are still unprepared for this inheritance. There is a greater chance of conflicts and fragmentation because few have formal estate planning, succession plans, or governance frameworks. The confusion will lead to wealth destruction. Around the world, the second generation loses around 70% of family wealth, while the third generation loses around 90% […]

The session on healthy and happy aging was addressed by Dr AK Sen Gupta, Chief Trustee, My Retired Life Foundation. A.K. Sengupta’s vision is to help retirees live happy, healthy, and productive lives after their professional careers end. He began his talk by clarifying that aging is often mistaken as something related only to old age, but in reality, it is a lifelong process that starts from childhood. It is simply the continuous progression of life over time. There are two key aspects of aging: healthy aging and happy aging. Healthy aging extends beyond physical health to include mental, emotional, […]

We conducted a client meeting on “Happy Aging for Peace & Happiness” on 18th January 2025 at CBD Belapur, which was addressed by two eminent speakers. All the clients who attended the meeting have either achieved or are nearing Financial Freedom. Session 1: Happy Ageing for Peace & Happiness : Self-Unfoldment: The first book authored by Swami Chinmayananda  Presented by Brahmachari Samartha Chaitanya from Chinmaya Mission spoke on the practical guide for peace and happiness in life, offering insights into the nature of the self, the path of self-realisation, and how to live a meaningful and spiritually fulfilling life while […]

AMCs are not able to invest in US stocks due to the imposition of restrictions by RBI. But Indians can invest in US stocks through LRS. Investing in US stocks offers a fantastic opportunity to diversify your portfolio & create wealth by investing in US companies and brands you use daily like Apple, Google, Meta, Spotify, Netflix, and Amazon and gain exposure to some of the world’s largest and most influential companies  For Indian investors looking to explore international markets, the Liberalized Remittance Scheme (LRS) provides an easy and legal route to transfer funds abroad and invest in US stocks. […]

U.S. citizens can open bank accounts in India, but there are specific rules and account types based on their residency status. Whether you’re an NRI (Non-Resident Indian), OCI (Overseas Citizen of India), or PIO (Person of Indian Origin), you can open a bank account in India under certain conditions. Why Open a Bank Account in India? As a US citizen with financial ties to India, having a local bank account can make managing rental income, investments, inheritance, and asset sales easier. It also simplifies sending money to family, using services like UPI, and accessing debit cards when visiting India. Without […]